Merchant Account–Based Loans
Unlock immediate financing tailored to your processing revenue—no credit hurdles, just straightforward, cash-flow-focused support.
🔑 Why Choose a Merchant-Based Loan?
- Fast approval & funding – Get approved in as little as 24 hours, with same-day funding after approval.
- Credit-friendly – We don’t rely on credit scores (your personal or business credit isn’t a deal-breaker).
- Flexible access – Great for businesses with low or no credit history, as long as you have consistent processing volume.
📝 Eligibility Requirements
To qualify, you need:
- A current LLC or Corporation
- A business bank account with at least 4 months of statements
- A merchant account under your company name, showing at least 4 months of transactions
- The owner’s signature on the application
- A personal credit score (via Credit Karma or similar platforms)—this won’t be used to approve or deny, but helps validate identity and stability (no impact on your credit)
💼 How Funding Works
Your loan amount is based on the average of your bank deposits and merchant processing volume over the past 4 months.
- We analyze these combined figures to determine your approval and loan amount
- It’s a volume-based model—not your credit history—ensuring that your hard work equals access to capital
⭐ Advantages
- Fast & simple – Submit basic documentation and get clear approval terms in 24 hours
- No credit barriers – Low-credit individuals and new businesses welcome
- Revenue-driven – Borrow based on real performance, not credit panels
- No collateral required – Your daily sales act as the basis for your loan
🚀 Getting Started
- Submit:
- 4 months of business bank statements
- 4 months of merchant account transaction records
- Owner signature
- Personal credit score info via Credit Karma
- We analyze your averages and confirm approval—typically in 24 hours
- Receive funding—often same day as approval
🔍 Suitable For
- Retailers, restaurants, e-commerce, or any card-processing business with steady sales
- Startups or small businesses with limited credit history
- Owners who want quick access to working capital without lengthy underwriting or credit checks
Ready to leverage your revenue stream into accessible capital? Contact us today to begin—we’ll have your documents reviewed and loan approved in as little as 24 hours!